Madison County property record for 231 River Bend Rd, Waco, KY 40385
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 10 acres (436,036 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,000 (Jun 2014) |
| Tax Bill | $99 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0126-0000-008A-8 |
| Primary APN | 0126-0000-008A-8 |
|---|---|
| Alternative APNs |
|
| Lot Area | 436,036 sqft (10 acres) |
|---|
| Account Number | 50216 |
|---|---|
| Street Address | 231 RIVER BEND RD |
| City | WACO |
| State | KY |
| Zip | 40385-9102 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | RIVER BEND FARMS LOT 8 (10.01 ACRES) |
| Legal Subdivision | RIVER BEND FARMS |
| Legal Lot Number | 8 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 11002 |
Source: Madison County assessment roll, APN 0126-0000-008A-8, as of April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1971 MITCHELL CREEK RD, LONDON, KY 40741-9225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Feb 03, 2020 | Deed of Trust, Mortgage JAMES WINFORD FLOYD ETAL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 24, 2014 · Amount on Record |
| Deed Sale | Jun 24, 2014 · Amount on Record |
| Deed Document Number | 0000784143 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 231 RIVER BEND RD, WACO, KY 40385-9102 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 231 RIVER BEND RD, WACO, KY 40385-9102 |
| Document Number | 00M2409/17 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | M2409/17 |
| Instrument | 2014284786 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 40703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 231 RIVER BEND RD, WACO, KY 40385-9102 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01915/778 |
|---|---|
| Date | Feb 03, 2020 |
| Book Page | M01915/778 |
| Instrument | 2014006638 |
| Name | JAMES WINFORD FLOYD ETAL |
|---|---|
| Type | Private Party |
| Address | 1971 MITCHELL CREEK RD, LONDON, KY 40741 |
| Amount | Amount Recorded |
|---|
Source: Madison County assessment roll as of April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $99.00 (-1.98%) Additional exemption filed | $10,500 (-) | $10,500 (-) |
| 2023 | $101.00 | $10,500 | $10,500 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), as of December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510110022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 7 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 3 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
Source: EPA Safe Drinking Water Information System, water system KY0760224, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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